Title Loans in Goose Creek, South Carolina

Goose Creek, near Naval Weapons Station / Joint Base Charleston, has a large military and industrial workforce in Berkeley County.

If you live in or around Goose Creek, the Platinum VIP Title Loan gives you a way to borrow against your vehicle's equity at an APR that never exceeds 35.99%. Always quick, confidential and easy!

How Goose Creek residents use title loans

Common reasons our Berkeley County customers borrow include home repairs after a storm, covering a gap between paychecks, emergency car repairs, medical and dental bills. Whatever the reason, we'll size your loan to your income so the payment fits your budget.

Example cost for a Goose Creek borrower

Borrowing $2,500 over 18 months at 35.99% APR: 18 payments of $181.75, a finance charge of $771.50, total of payments $3,271.50. (Illustrative only; see rates & terms.)

Serving Goose Creek and Berkeley County

Platinum VIP loans are made entirely online, so Goose Creek residents can apply, upload documents and sign from home. Your lender is 1st Capital Finance of South Carolina Inc, 3420 Hwy 21 Ste B, Fort Mill, SC 29715, licensed in South Carolina (No. SL-1966027). Loans are available only to South Carolina residents. We work to make the process hassle free, so you can get back to your day.

Military borrowers

Active-duty service members and covered dependents are protected by the federal Military Lending Act, which limits the Military Annual Percentage Rate to 36%. Contact us to discuss eligibility.

What to bring

Vehicle photos, clear SC title in your name, photo ID, proof of income and proof of residence. Full list: requirements.

Nearby areas

We also serve Fort Mill, Rock Hill. See our full service area.

More from the Platinum VIP team

Typically, obtaining approval for an unsecured loan, such as a personal loan, is difficult without a strong credit score to back you up. Many lenders see individuals with bad credit as a high credit risk, so even if you do end up qualifying for a personal loan, your interest rate could be incredibly high.

Title loans can often cater to many Americans from all different kinds of credit and financial backgrounds because they are secured loans! With a secured loan, you are required to pledge an asset as collateral for the loan, so the application process can be much more flexible. Even if you aren’t confident with your credit history, you could potentially apply for a title loan!

It depends. Some title lenders don’t report your payment behavior to any of the major credit bureaus, including Experian and Equifax. Your payment behavior refers to how you make your payments. Are they made on time? Is your loan in good standing? The answers to those questions can impact your credit score if your lender is reporting that behavior. It is important to keep up with your loan payments and make sure that your loan stays in good standing!

Like most loan options, title loans have the potential to hurt your credit score. One of the ways a title loan could affect your credit score is through loan default and repossession.

If you stop making payments and end up defaulting on your loan, you are likely violating the terms of your loan contract. Once your loan is funded, a title lender places a lien on your car’s title, and it stays there until your loan is paid off.

Therefore, as your lienholder, the title lender has the legal right to repossess your car and sell it at auction if you do not comply with the terms of your agreement and default on your loan.

APR disclosure: The Platinum VIP Title Loan carries a maximum Annual Percentage Rate (APR) of 35.99%, which includes the $15 South Carolina lien fee. Your actual APR, finance charge, payment amount and term are disclosed in your written loan agreement before you sign. A title loan is secured by your vehicle; if you do not repay as agreed, your vehicle may be repossessed. Borrow only what you can afford to repay. Loans are made by 1st Capital Finance of South Carolina Inc, the lender, 3420 Hwy 21 Ste B, Fort Mill, SC 29715. 1st Capital Finance of South Carolina Inc is licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division, as a Supervised Lender (License No. SL-1966027) under S.C. Code § 37-3-503. Loans are available only to South Carolina residents and are originated online. Submitting information on this website does not guarantee loan approval.